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Home > Ask The Get Out of Debt Experts > America’s Consumer Advocacy Group & Denny Lake Sent Me to Elite Legal Group. – Fran

America’s Consumer Advocacy Group & Denny Lake Sent Me to Elite Legal Group. – Fran

“Hi Steve,

I’m a 58 year old single mom I live in garden grove California and I need a loan modification BAD. I’m on a 10 yr IO and I can’t get any help from Wells Fargo we qualify for making homes affordable according to my HAMP report we got from America’s consumer advocacy group. The under writer Denny Lake told us we qualified and now referred us to elite legal group but I paid Mr.lake to do a service called home ownership advocacy and all I got was a financial worksheet and a rest report for 2200.00 and now I’m being asked to spend another 4000.00 for my mod. Steve why do these companies always try to up sell consumers on things we don’t need what do think? Ill wait your response

thank you

Dear Fran,

Why? To collect as much money as possible.

I wonder if the company told you that you could actually speak to a HUD Housing Counselor for mortgage help for free? These housing counselors are subsidized by the government and offer free assistance to those with mortgage issues.

Obviously I can’t speak about the particular motives of any one company or individual. I would suggest you contact a HUD Housing Counselor and use the links below as well.

Mortgage Help

Be sure to first read How Not to Get Scammed by a Mortgage Loan Modification Company.

Debt-to-Income Calculator

First you’ll need to determine your current debt-to-income ratio. The target debt-to-income ratio under the Home Affordable Modification program is 31%. Use this free online DTI calculator.

Mortgage Modification Calculator

The mortgage modification eligibility calculator will ask you several questions and then show you which programs you may be eligible for.

The free mortgage modification calculator can be found here.

Free Mortgage Modification Help and Counseling

If you have questions about the process or eligibility you can call 888-995-4673 and get connected with an mortgage modification adviser for free. This help is provided by government subsidized HUD Housing Counselors and they can be a big help in navigating the modification process.

In order to assist you, the housing expert will need to gather some information from you. Have the following documents handy:

  • Information about your first mortgage, such as your monthly mortgage statement.
  • Information about any second mortgage or home equity line of credit on the house.
  • Information about the monthly gross (before tax) income of all household members contributing to pay the mortgage, including recent pay stubs if you receive them or documentation of income you receive from other sources.
  • Information about your savings and other assets.
  • Account balances and minimum monthly payments due on all of your credit cards.
  • Account balances and monthly payments on all your other debts such as student loans and car loans.
  • Your most recent income tax return.
  • It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.), if applicable.

You can also get free help and housing counseling from a local HUD approved counselor. You can find your local free housing counselor, here.

Contact Your Mortgage Company

Not sure if your mortgage company offers modification programs? Not all do. You can contact your mortgage company to ask them about mortgage modification programs you might be eligible for. Click here to find your mortgage company.

NPV Calculator

Want to know the net present value (NPV) of your home for the mortgage modification process? No problem, use the free NPV calculator to find out. The NPV calculator is right here.

The calculator can be used by homeowners who have been denied a HAMP modification because of their NPV result or can also be used by homeowners prior to applying for a HAMP modification to help them better understand the NPV evaluation.

No Advance Fees

The Federal Trade Commission has a Mortgage Assistance Relief Services Rule which prohibits advance fees for mortgage rescue services or mortgage modification help.

Please post your responses and follow-up messages to me on this in the comments section below.

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Robert Prado

    I’m the owner of this one man army which is called America’s Consumer Advocacy Group. I have recently come across your website with these false allocations of my company. I have NO affiliation with any of the people or companies listed in these false statements and accusations. I have never met or spoken on the phone with any body from these companies. My company does not charge any upfront fees. And I have many testimonials to prove I run a reputable company. In over two years of business. I have never had one complaint filed against me.

    Doing further on my research about Denny Lake and these companies there is a pending court case involving this person Robert Goodrich. I believe he is making these false accusations:

    Robert Goodrich

    5755 Avenida Estoril

    Long Beach, CA 90804

    Case Number


    These companies have filed charges against this person that is making accusations about their business practices. In return these companies have filed complaints and suits against Robert Goodrich who I believe is writing these statements. I believe my name has come up through a company that I used about a year ago to run NPV reports. That is my conclusion and how you might think that I’m affiliated. That company runs NPV reports for over 1000 law firms in this country.

    Regardless of what there issues are, this has NOTHING to do with me!

    I have worked hard these last couple of years to establish a reputable reputation. I feel that it is not fair that people that have never worked with me or even been a client of mine can make these FALSE accusations and expose them without confirmation.

    I ask you please remove my home address which I assume you unintentionally posted along with my website. I would love the opportunity to address any of your questions or concerns. I come to you respectfully and ask you to complete my wishes. If not I will file suit for deplumation of character and any harm done to my business! You will be receiving a letter from my attorney as a formality.


  • Robert Prado

    I would love the opportunity to help (Fran) for free. She can also cross reference my number’s to see that she has NEVER spoken to a Deny Lake. I am the only person that speaks to clients. I have one other person that works for me and she is a processor. YOU ARE CONFUSING ME WITH “America’s Consumer Advocacy LAW Group”!! Steve you are doing a disservice to your readers by posting false statement. So why would anyone believe you when it comes to debt?

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